Since bankruptcy has such a negative effect on credit, we encourage people to consider it as a last resort. Today, we’re flashing back to this post about determining if you should file and your options if you decide to file. As a financial counselor, I often speak with people who are knee-deep in debt, and… Read More

When a student loan borrower becomes totally and permanently disabled they can apply to have their student loans “discharged” (forgiven) through the Total Permanent Disability Discharge program (TPD Discharge: learn more here). The survivors of a borrower who dies can also apply to have the deceased’s loans discharged, including Parent PLUS loan borrowers whose child… Read More

Everyone deals with stress at some point in our lives. Stress can be brought on by health issues, our jobs, money, relationships, and everything in between. Even though we can’t always prevent stress, there are free and cheap coping mechanisms to help reduce stress. Listen to Music Music is a great way to forget about… Read More

Student loans remain a hot topic…and will for years to come. So we’re flashing back to Barb’s post with how to prepare for and deal with student loan debt. |As a financial counselor, I have observed a few disturbing trends with student loan borrowers. I would like to share some of those with you, along… Read More

Most of us have a bad habit that we tell ourselves we’re going to stop. But it’s hard to break that pattern without making a conscious effort. So here are some bad financial habits to stop asap…with tips on how to be successful. Nickel and Diming You may be a perpetual ‘nickel and dimer‘ if… Read More